CN110992026A - 一种基于区块链的账户撤回方法及系统 - Google Patents
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Abstract
本发明涉及通信领域,公开了一种基于区块链的账户撤回方法,包括S1:创建普通账户和保险账户,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中,保险账户与普通账户之间级联;S2:用户通过保险账户进行转账交易,服务器将资金转出,交易完成;S3:用户在规定的可撤回时间内发起撤回申请;S4:服务器执行撤回交易,并将资金撤回至撤回地址。通过设置保险账户,在转账交易之后的可撤回时间内,允许发起另一笔特殊交易“撤回交易”,指定将之前保险账户的某一笔转账交易的资金撤回到发起转账交易的保险账户的撤回地址,使得交易的安全性大大增加,以解决现有技术中存在的问题。
Description
技术领域
本发明涉及通信领域,尤其涉及一种基于区块链的账户撤回方法及系统。
背景技术
当前的区块链技术中(比如比特币技术),采用链式记账本的方式去中心化的纪录每一笔转账纪录,每一个连在一起的记账本叫做一个区块。交易纪录一旦被包含到记账本中,并被去中心化的节点充分确认,即不可篡改(这里指的是篡改的成本极高)。如图1所示,在目前的区块链技术中数字资产转账一旦发生就无法撤回。用户没有一个反悔期。当出现数字资产被盗的情况的时候也无法撤销交易。特别是对于安全性要求很好的金融机构和大型企业,需要寻找一个安全性极高的能够实现交易撤回的数字资产解决方案;
现有的发明专利公开号为CN110428238A,名称为区块链的账户撤回方法及系统中也涉及了区块链的交易撤回方法,包括可撤回账户发起转账交易请求至服务器;服务器延迟θ时间执行该转账交易请求;在延迟期θ内,可撤回账户发起撤回请求至服务器;及服务器更改所述转账交易,由此可知此技术方案在用户发起转账交易后,服务器延迟执行该转账交易,这就使得正常的转账交易时间大大延长,影响用户使用的体验,故针对此,急需一种可以及时转账不影响用户日常正常使用,并且在遇到被盗风险时能够撤回非用户自愿转账的交易的方法和系统。
发明内容
为了弥补现有技术的不足,本发明提供了一种基于区块链的账户撤回方法及系统,通过设置保险账户,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中,在转账交易之后的可撤回时间内,允许发起另一笔特殊交易“撤回交易”,指定将之前保险账户的某一笔转账交易的资金撤回到发起转账交易的保险账户的撤回地址,使得交易的安全性大大增加,以解决现有技术中存在的问题。
本发明是通过如下技术方案实现的:一种基于区块链的账户撤回方法,包括如下步骤:
S1:创建普通账户和保险账户,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中,保险账户与普通账户之间级联;
S2:用户通过保险账户进行转账交易,交易完成;
S3:用户在规定的可撤回时间内发起撤回申请;
S4:定义普通账户发起的转账交易为“不可撤回交易”,保险账户发起的转账交易为“可撤回交易”,将执行撤回保险账户某一笔可撤回交易操作的特殊交易为“撤回交易”,超过可撤回时间而未被执行撤回操作的交易为“已不可撤回交易”,服务器执行撤回交易,并将资金撤回至撤回地址。
进一步优化地,所述保险账户设置不少于2个,每个保险账户皆设置撤回地址,多个保险账户之间进行级联,级联的末端为普通账户。
进一步优化地,通过区块链的区块高度个数表示可撤回时间,所述区块高度个数不少于120个,即所述可撤回时间大于等于2小时。
进一步优化地,所述保险账户的地址开头采用区块链地址编码标识,所述普通账户的地址开头采用转账地址编码标识。
进一步优化地,撤回地址是某一个普通账户或者保险账户的地址;当条件满足发生资金撤回时,资金将被撤回到保险账号属性里面的撤回地址。
一种基于区块链的账户撤回系统:包括:普通账户端:包括基于算法形成的密钥对,对公钥进行编码产生账户地址;
保险账户端:包括密钥对、地址、可撤回时间和撤回地址,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中;
服务器:用于执行撤回交易和转账交易;
存储模块:用于存储实施账户可撤回方法的程序代码。
进一步优化地,所述密钥对的形成基于比特币和椭圆算法,通过随机种子、助记词或分层确定性派生的方式产生。
本发明的有益效果是:
一:本申请的基于区块链的账户撤回方法,用户可通过保险账户进行正常的转账交易,不会延迟转账的时间,方便用户的正常使用,到账快;
二:本申请可实现交易在规定时效内的撤回,当保险账户被盗,发生违背本人意志的转账时,本人可以发起一笔“撤回交易”,将目标转账资金撤回到账户的撤回地址;
三:本申请的保险账户可以设置多个,一个保险账户1的撤回地址可以是另一个保险账户2,保险账户2的撤回地址可以是下一个保险账户3,这样一直级联下去,最后一个保险账户的撤回地址一定是一个普通账户的地址。当保险账户1发出的转账交易发生资金撤回操作时,资金被撤回到保险账户2,如果资金再次被从保险账户2发出去,那么在可撤回时间内可以发起一笔撤回交易,将资金撤回到保险账户3,并可以以此进行下去,直到资金被撤回到普通账户。在这个过程中,任何一笔保险账户的资金转账,也可以等待超过可撤回时间,让其变成不可撤回状态。
四:在本申请中设置了普通账户和保险账户,用户可以将少量资金存放到普通账户中,作为日常支付使用,一旦支付不可撤回;将使用频率不高的大额资金存放到保险账户中,保险账户设置一个合理的可撤回时间和一个撤回地址,保险账户资金在发生意外时可以撤回得到保护。当需要使用保险账户内资金的时候,可以提前计划,将保险账户的部分或全部资金转账到日常使用的普通账户中,转账后只要等待可撤回时间过后,转账资金即不可撤回的到目标账户。当保险账户被盗,发生违背本人意志的转账时,本人可以发起一笔“撤回交易”,将目标转账资金撤回到账户的撤回地址。本申请设置合理,适于广泛推广应用。
附图说明
图1为现有技术的区块链转账交易的流程示意图。
图2是根据本申请一个实施例的区块链的账户撤回方法的流程示意图的流程示意图。
图3为本发明的保险账户的示意图。
图4为本发明的保险账户多级联的示意图。
具体实施方式
为能清楚说明本方案的技术特点,下面通过具体实施方式,并结合其附图,对本发明进行详细阐述。
实施例1:
如图2-图3所示,本实施例公开了一种基于区块链的账户撤回方法,包括如下步骤:S1:创建保险账户,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中,保险账户与普通账户之间级联;S2:用户通过保险账户进行转账交易,服务器将资金转出,交易完成;S3:用户在规定的可撤回时间内发起撤回申请;S4:定义普通账户发起的转账交易为“不可撤回交易”,保险账户发起的转账交易为“可撤回交易”,将执行撤回保险账户某一笔可撤回交易操作的特殊交易为“撤回交易”,超过可撤回时间而未被执行撤回操作的交易为“已不可撤回交易”,服务器执行撤回交易,并将资金撤回至撤回地址。
创建普通账户,一个普通账户,具有以下核心属性:密钥对,包含公钥和私钥,由公钥编码产生的账户地址。资金接收者对外公开提供账户地址,发送者通过自己的私钥对要发送的交易进行防伪签名并广播到区块链网络上进行登记确认,一旦被确认,资金即被转移到接收者的账户,发送者无权撤回。一个普通账户的创建是指的生成其密钥对。密钥对可以基于不同的算法,比如比特币和很多区块链上使用的椭圆算法,通过随机种子,助记词,分层确定性派生等多种方式产生,如发明专利公布号为CN106452727A的专利中记载了基于比特币生成密钥对的方式;公开号为CN105281896A,名称为一种基于椭圆曲线算法的密钥POS机激活方法及系统,公开了基于椭圆算法创建密钥对的方式,故形成密钥对的方式为现有技术,故不赘述。产生的密钥对中包含私钥和公钥,其中私钥是需要保密不可公开的,用于对发出的交易防伪签名,公钥进行编码后可以产生账户地址。
创建保险账户:在普通账户基础上,增加可撤回时间,撤回地址两个属性,建立一种新型的账号,称之为“保险账号”。也就是说保险账号的核心属性包括密钥对,账户地址,可撤回时间和撤回地址。首先采用以上描述的方式产生密钥对和地址,然后将用户提供的可撤回时间和撤回地址两个属性,通过一笔特殊的区块链转账的形式纪录到区块链账本中,使其成为保险账户属性的一部分,并且一旦设置,不再接受修改。
其中可撤回时间是一个时间范围,比如1小时,1天,一个月。在区块链系统中是用区块高度个数来表示时间的,比如区块链系统中平均一个区块的产生时间是1分钟,也就是平均一个区块高度是1分钟时间,那么1小时的可撤回时间就可以用60个区块高度个数来表示。撤回地址是某一个普通账户或者保险账户的地址。当条件满足发生资金撤回时,资金将被撤回到保险账号属性里面的撤回地址。所述保险账户的地址开头采用区块链地址编码标识,所述普通账户的地址开头采用转账地址编码标识。
使用时,账户对外发起转账交易,需要通过账户私钥对转账交易的目标地址,转账金额等属性进行防伪签名,在交易发出去之后的可撤回时间内,允许发起另一笔特殊交易“撤回交易”,指定将之前保险账户的某一笔转账交易即可撤回交易的资金撤回到发起转账交易的保险账户的撤回地址。
在本设计机制中,没有将资金直接撤回到原发出账号的原因是,账户一旦被盗,其私钥很有可能已经被攻击者控制,即使将资金撤回到原账户,攻击者仍然可以再次通过操纵账户的私钥进行转账操作,起不到真正的保护作用。因此在实际使用中,用户也不可把撤回地址设置为账户本身的地址。
实施例2:
如图3-图4所示,创建多个保险账户,采用区块链转账形式将每个保险账户中的可撤回时间和撤回地址记录到区块链账本中,多个保险账户之间进行级联,级联的末端连接普通账户。
在用户进行撤回交易时,一个保险账户1的撤回地址可以是另一个保险账户2,保险账户2的撤回地址可以是下一个保险账户3,这样一直级联下去,最后一个保险账户的撤回地址一定是一个普通账户的地址。当保险账户1发出的转账交易发生资金撤回操作时,资金被撤回到保险账户2,如果资金再次被从保险账户2发出去,那么在可撤回时间内可以发起一笔撤回交易,将资金撤回到保险账户3,并可以以此进行下去,直到资金被撤回到普通账户。在这个过程中,任何一笔保险账户的资金转账,也可以等待超过可撤回时间,让其变成不可撤回状态。
实施例3:
普通账户和保险账户结合使用:将少量资金存放到普通账户中,作为日常支付使用,一旦支付不可撤回;将使用频率不高的大额资金存放到保险账户中,保险账户设置一个合理的可撤回时间,如2小时和一个撤回地址,保险账户资金在发生意外时可以撤回得到保护。当需要使用保险账户内资金的时候,可以提前计划,将保险账户的部分或全部资金转账到日常使用的普通账户中,转账后只要等待可撤回时间过后,转账资金即不可撤回的到目标账户。当保险账户被盗,发生违背本人意志的转账时,本人可以发起一笔“撤回交易”,将目标转账资金撤回到账户的撤回地址。
综上所述,本申请的基于区块链的账户撤回方法,用户可通过保险账户进行正常的转账交易,不会延迟转账的时间,方便用户的正常使用,到账快;还可实现交易在规定时效内的撤回,当保险账户被盗,发生违背本人意志的转账时,本人可以发起一笔“撤回交易”,将目标转账资金撤回到账户的撤回地址;本申请的保险账户可以设置多个,当保险账户1发出的转账交易发生资金撤回操作时,资金被撤回到保险账户2,如果资金再次被从保险账户2发出去,那么在可撤回时间内可以发起一笔撤回交易,将资金撤回到保险账户3,并可以以此进行下去,直到资金被撤回到普通账户。
本发明未详述之处,均为本技术领域技术人员的公知技术。最后说明的是,以上实施例仅用以说明本发明的技术方案而非限制,尽管参照较佳实施例对本发明进行了详细说明,本领域的普通技术人员应当理解,可以对本发明的技术方案进行修改或者等同替换,而不脱离本发明技术方案的宗旨和范围,其均应涵盖在本发明的权利要求范围当中。
Claims (7)
1.一种基于区块链的账户撤回方法,其特征在于:包括如下步骤:
S1:创建普通账户和保险账户,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中,保险账户与普通账户之间级联;
S2:用户通过保险账户进行转账交易,服务器将资金转出,交易完成;
S3:用户在规定的可撤回时间内发起撤回申请;
S4:定义普通账户发起的转账交易为“不可撤回交易”,保险账户发起的转账交易为“可撤回交易”,将执行撤回保险账户某一笔可撤回交易操作的特殊交易为“撤回交易”,超过可撤回时间而未被执行撤回操作的交易为“已不可撤回交易”,服务器执行撤回交易,并将资金撤回至撤回地址。
2.根据权利要求1所述的基于区块链的账户撤回方法,其特征在于:所述保险账户设置至少1个,每个所述保险账户皆设置撤回地址,多个保险账户之间进行级联,级联的末端为普通账户。
3.根据权利要求1所述的基于区块链的账户撤回方法,其特征在于:通过区块链的区块高度个数表示可撤回时间,所述区块高度个数不少于120个,即所述可撤回时间大于等于2小时。
4.根据权利要求1所述的基于区块链的账户撤回方法,其特征在于:所述保险账户的地址开头采用区块链地址编码标识,所述普通账户的地址开头采用转账地址编码标识。
5.根据权利要求1所述的基于区块链的账户撤回方法,其特征在于:撤回地址是某一个普通账户或者保险账户的地址;当条件满足发生资金撤回时,资金将被撤回到保险账号属性里面的撤回地址。
6.一种基于区块链的账户撤回系统:包括:普通账户端:包括基于算法形成的密钥对,对公钥进行编码产生账户地址;
保险账户端:包括密钥对、地址、可撤回时间和撤回地址,采用区块链转账形式将可撤回时间和撤回地址记录到区块链账本中;
服务器:用于执行撤回交易和转账交易;
存储模块:用于存储实施账户可撤回方法的程序代码。
7.根据权利要求6所述的基于区块链的账户撤回系统,其特征在于:所述密钥对的形成基于比特币和椭圆算法,通过随机种子、助记词或分层确定性派生的方式产生。
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